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Health Equity Passkey/FDP-101 (edited)

cjbruns10

Health Equity is now requiring users to use a passkey instead of a password to access their account. I just updated my Health Equity account to use a passkey and now I'm getting a FDP-101 error when trying to connect in Quicken Simplifi. Is there any way to get the Health Equity account to update on Quicken Simplifi when using a passkey?

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RobWilk

That might work if it supports OAuth login, but I imagine a "health equity" account would be low priority for that if it doesn't already support it. You may want to request OAuth support in this topic here

https://community.simplifimoney.com/discussion/3506/use-oauth-apis-everywhere-they-are-available-chase-bank-of-america-etc

As you can see, just a few years ago there wasn't support for it even with big banks.

Coach Jon

Hello @cjbruns10,

Thanks for reaching out! From our side, I can see the FDP-101 error you are receiving with HealthEquity. Is the passkey you mentioned used in the same way a password is? If not, can you let us know the specific process you use to login with the passkey?

Can you also confirm whether you are trying to update an existing account within Quicken Simplifi or add a new account? For the former, I would see if establishing a fresh connection by making the account manual and re-linking works to fix the current issue. The instructions to do that are:

Make all of the accounts with the bank manual by following the steps here.
Once you see the account(s) listed in the Manual Accounts section under Settings > Accounts, go back through the Add Account flow to reconnect to the bank.
If the connection is successful, carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

Let us know!

-Coach Jon

johnpw

around 11 days ago Healtequity account stopped updating.

it was working fine… they just made me add passkey recently (though I didn't set passkey up till this week).

Healthequity keeps telling me its becuase quicken doesnt support "Plaid" but not sure whose issue this is… any ideas?

I did disconnect the account and now I get the FDP-101 when I try and reconnect

Coach Jon

Hello @johnpw,

I would see if establishing a fresh connection by making the account manual and re-linking works to fix the current issue. The instructions to do that are:

Make all of the accounts with the bank manual by following the steps here.
Once you see the account(s) listed in the Manual Accounts section under Settings > Accounts, go back through the Add Account flow to reconnect to the bank.
If the connection is successful, carefully link the account(s) found to your existing Quicken Simplifi account(s) by following the steps here.

Let us know!

-Coach Jon

cjbruns10

@Coach Jon - The passkey is completely different from a password. My HealthEquity account no longer has a password. To login to the HealthEquity website, I have to enter my username. Then, an alert is sent to the device I set up for my passkey (in my case, that's my phone). On that alert on my device, I confirm that it is me trying to log in. Then, I am logged into the website. So, from my computer, I go to healthequity.com, enter my username, an alert is sent to my phone, I confirm via that alert that I am trying to log in, then the website on my computer opens my account.

I cannot get this to work with Quicken Simplifi. Even if I go to "Add Account," I am immediately asked for a username and password, but I no longer have a password, and using my old password (which worked before setting up the passkey) does not work.

When I complain to the chatbot on the HealthEquity website about having to use a passkey and financial aggregators like Quicken Simplifi not working, the chatbot mentions that Plaid can be used (see quotes from chat below). When I go to Plaid's website, it doesn't appear to be something that an end-user such as myself would use, but it appears to be a tool for app developers (such as Quicken Simplifi) to use. The chatbot also mentioned an Express Direct Connect tool which apparently works with Quicken.

It's extremely frustrating that HealthEquity is requiring the use of a passkey, but because they are, I had no choice. I assume that other institutions will likely eventually take similar steps. As far as I can see, Quicken Simplifi currently offers no way to connect to accounts which use passkeys instead of passwords. Is there a path forward on this? What are my options? For now, I'm going to use Simplifi with HealthEquity set up as a manual account, but I'm not sure how long I want to do that. I think that Simplifi needs to figure out a way to support accounts with passkeys to stay relevant and avoid loosing customers.

For your reference, here is a link to the HealthEquity passkey FAQ: https://help.healthequity.com/en/articles/11690915-passkey-faq

This is what the chatbot said:

For finance aggregators other than Quicken, we now use Plaid for account verification and linking, which provides increased security for connecting external accounts. This should work with your passkey setup since Plaid handles the secure connection between your HealthEquity account and external financial services like Quicken Simplifi.You can set up this connection through Plaid's verification system, which will securely link your accounts without needing a traditional password.

Before that, the chatbot said:

I understand your concern about syncing with your finance aggregator. We have seamless integration with Quicken through their Express Direct Connect tool, which allows you to view your HealthEquity balance information through your Quicken account.Setting up the integration takes about five minutes and requires you to enter your HealthEquity username and password. Once in your Quicken account, go to the Tools menu and choose to add a savings account - Quicken will walk you through the setup process.For other finance aggregators, we now use Plaid for account verification and linking, which provides increased security for connecting external accounts.

RobWilk

If I'm not mistaken, Plaid support for some financial institutions is here in Quicken Simplifi for at least some users (not all, unless that's changed), but i might have it confused with another 3rd party service. If that's the case, they might be able to move you over to the plaid connection for that biller (if it is available).

I very much realize my reply does not answer your question, however, I know there is less staff here on weekends, so I wanted to offer what I knew about this.

-Rob

Coach Natalie

@cjbruns10, thank you for the additional information!

When researching this issue further, I found that it has already been escalated from our end. We created an Alert that you and other users can follow for updates moving forward! As soon as we have any news to share, it will be posted to the Alert.

https://community.simplifimoney.com/discussion/14647/new-10-6-25-healthequity-returns-an-fdp-101-error

Thank you for your patience as this issue is being worked on!

JTubb

Can no longer connected HE account. I now get a error code - Care: FPD-101

I suspect this is due to the push for passkey account protection. I believe this because it was working fine up until my HE account made it required to use.

Is Simplifi aware and is there an update coming?

RobWilk

There is an alert on this you can bookmark to follow for updates:

https://community.simplifimoney.com/discussion/14647/new-10-6-25-healthequity-returns-an-fdp-101-error

lanihanson

I’m following the thread below but can’t figure out how to comment on it. FWIW I reached out to HealthEquity this morning and the agent I chatted with said “I see your inquiry above about connection with quicken. It is not because of passkey, we do have a known issue with quicken and our accounts team is currently working on to have it fixed with quicken. Once it is fixed, our accounts team will send a notification about it.”

https://community.simplifimoney.com/discussion/14647/ongoing-10-6-25-healthequity-returns-an-fdp-101-error

Coach Kristina

Hello @lanihanson,

Thank you for reaching out! You're not able to add comments to Community Alerts. Instead, the discussions about the issues happen in separate threads, like this one.

Thanks for sharing the information that HealthEquity told you!